The Housing Authority Insider Method

Learn Section 8 Real Estate Investing From a Former Section 8 Employee Who Acquired a 420+ Property Portfolio

For investors with $15K+ ready to deploy. If that's not you yet, start with the free resources instead. No call required.

Evaluate Section 8 rentals with Karim, from the first inspection to the numbers behind the deal.

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4,000+ students
420+ property portfolio experience
16 live coaching calls a month
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Watch the model explained

See how a Section 8 rental actually works.

Karim walks through the model end to end: how the housing voucher reaches a landlord, how the financing is put together, and what running the property looks like month to month.

Karim Naoum on camera at the opening of the Section 8 walkthrough
01 / Where the rent comes from

How a government-backed housing payment actually reaches a landlord, and the misconceptions Karim clears up before he touches a single number.

02 / How the purchase gets financed

Creative financing explained on real terms, including the government-backed loan options that sit behind a first purchase.

03 / What running it looks like

Tenant selection, turnover, and the step by step process he repeats when it is time to add the next property.

Runtime 38:22, with English captions. Jump straight to a chapter:
09:15  ·  The role of government in housing
13:38  ·  Creative financing explained
15:48  ·  The low barrier to entry in Section 8
23:53  ·  The step-by-step process
Proof From Section 8

Real People. Real-World Section 8 Examples.

Matthew Nelson
Brad Lea
Henry Cejudo
David
Kai
Nadir
Angel
Adam
This program is for educational purposes only. We do not guarantee income, profits, property acquisition, or investment results.
Any examples discussed are not typical.
Karim
@section8karim
WHY I BUILT THIS BLUEPRINT:

I STARTED WORKING WITH SECTION 8 
AT 17 AND LEARNED HOW THE SYSTEM ACTUALLY WORKS

Based on my experience building and operating a 420+ property Section 8 portfolio and teaching over 4,000 students, I created a structured educational framework around the Section 8 process.

Trusted by 4,000+ Students
Podcast appearances

Two full interviews on other people's shows.

Full-length episodes, nothing cut, on shows Karim doesn't control. Someone else's host, someone else's questions. That's a lot harder to stage than a testimonial. Both play right here.

Dropping Bombs with The Real Brad Lea, Episode 798

Full episode. Press play here, or open it on Spotify.
Open Episode 798 on Spotify

The Austin Zaback Show, Episode 129

Full episode. Press play here, or open it on Spotify.
Open Episode 129 on Spotify
We don't put a results number next to any student's face on this page. Watch the interviews, look at the honest numbers further down, and judge the model on its own terms.
The book

Boring Rich

The Section 8 Blueprint for Building Government-Backed Cash Flow
By Karim Naoum
Karim put his Section 8 acquisition framework in writing. A practical, step-by-step look at how he approaches buying and holding Section 8 rentals.
If you would rather read the thinking through on your own time before you talk to anyone, start with the book.
Boring Rich by Karim Naoum, front and back cover of the paperback
What Is Section 8 Training?

HANDS-ON MENTORSHIP THROUGH THE WHOLE PROCESS

Karim Naoum working at a laptop in a wood-panelled library

Live Strategy Sessions with me

Direct access to me and my team, and a step-by-step roadmap built around your situation.

Our Section 8 Framework

The framework I use to build and manage a large Section 8 portfolio, adapted to your market, capital, and execution.

Chat interface with message: 'Can you review this contract?' and replies including a link to updated version.

24/7 Support

Your investing plan is built around your budget, timelines, and goals, with fast answers whenever you need them.

Video call screen titled 'Afternoon Catch-Up' with six participants, one displayed with photo, call controls below.

16 Live Coaching Calls a Month

Sixteen live group calls a month, four a week, plus ongoing support to keep you accountable and moving.

Karim Naoum working at a laptop in a wood-panelled library

Live Strategy Sessions with me

Direct access to me and my team, and a step-by-step roadmap built around your situation.

Our Section 8 Framework

The framework I use to build and manage a large Section 8 portfolio, adapted to your market, capital, and execution.

Chat interface with message: 'Can you review this contract?' and replies including a link to updated version.

24/7 Support

Your investing plan is built around your budget, timelines, and goals, with fast answers whenever you need them.

Video call screen titled 'Afternoon Catch-Up' with six participants, one displayed with photo, call controls below.

16 Live Coaching Calls a Month

Sixteen live group calls a month, four a week, plus ongoing support to keep you accountable and moving.

Trusted by 4,000+ Students
4,000+ students
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The Bonuses

Three Bonuses Included

On top of the coaching and deal reviews, three additions to help you pursue your first Section 8 rental, even with no prior experience.

Bonus #1

Real-World Deal Breakdowns

Every week I break down a deal from my personal buy list.

Learn how experienced investors evaluate properties

Learn how to think through risks, numbers, and assumptions

Sample property info card for a move-in ready single-family home in Akron, Ohio, listing build year, square footage, price, down payment and monthly cash flow fields.
Black price tag showing 30% overlaying faded images of houses in the background.
Bonus #2

Discounted Deal Opportunities Through Our Network

Skip the back-and-forth with homeowners, and learn how investors read pricing, comps, and value before making an offer.

Helps reduce overpaying upfront

Improves deal economics when executed correctly

Bonus #3

Private Lending Education and Funding Insights (Only 15% Down)

Terms vary by lender, borrower profile, and market

How private lending works in real estate: common structures, requirements, and what investors weigh when financing Section 8 properties.

Learn how some investors build relationships with private lenders and evaluate funding structures in the $50k-$500k+ range

Apply these financing concepts to strengthen your acquisition strategy.

Two people in suits shaking hands against a dark background, symbolizing agreement or partnership.
Trusted by 4,000+ Students
4,000+ students
oUR sYSTEM

The Section 8 Investor Framework

Built for investors who want to understand the model before they act.

Master the Framework

The decision-making framework for sizing up markets, properties, financing options, and Housing Authority requirements before you buy.

Build a Scalable Portfolio Strategy

How investors add properties over time: managing risk, allocating capital, and avoiding the mistakes that stall growth.

Systems, Team, and Execution

How experienced investors use property management, systems, and delegation to run rentals efficiently as portfolios grow.

Master the Framework

The decision-making framework for sizing up markets, properties, financing options, and Housing Authority requirements before you buy.

Build a Scalable Portfolio Strategy

How investors add properties over time: managing risk, allocating capital, and avoiding the mistakes that stall growth.

Systems, Team, and Execution

How experienced investors use property management, systems, and delegation to run rentals efficiently as portfolios grow.

Join Over 4,000+ Students
4,000+ students
The Curriculum

What You'll Learn

Karim walks the full Section 8 investing process, start to finish.

01

Market Selection

How to identify markets where Section 8 investing makes sense
02

Property Evaluation

What to look for and how to run the numbers before making an offer
03

Housing Authority Process

How to work with PHAs, submit paperwork, and understand HAP contracts
04

Financing Education

How investors structure financing for Section 8 rental acquisitions
05

Deal Analysis

How to evaluate cash flow, risks, and assumptions before buying
06

Inspections

HQS standards, what fails, and how to prepare a property
07

Tenant & Management Systems

How experienced landlords run their Section 8 rentals efficiently
08

Scaling Strategy

How to think about adding properties over time without overextending
The real math

Other programs promise 100% returns on $10K down. Here's what a real deal looks like.

Every program in this niche sells you a return percentage. Almost none show you the deal. Here is one.
From Karim's buy list
Akron, Ohio
Year built
2002
Size
1,400 sqft
Purchase price
$75,000
Down payment
$11,250 (15%)
Cash flow
$550 / month
Example deal for educational purposes only. Numbers vary by market, financing, and execution.
Also on this site: Karim's walk-through of a $65,000 Cleveland property at $590 a month net, on the homework page.

What that number does not include

Those numbers are not your cost to get in the door. A down payment, closing costs and repair money come first, and all three move with your market, your financing and the condition of the house. There is no honest average, so we will not print one. Anyone who does is guessing. We run your real numbers on the call.
One deal is not a forecast. Rents, inspection standards and housing-authority payment schedules vary by market and by authority. Nothing here guarantees income, profit or results.
That is one deal, in one market. Now run your own numbers.
Deal worksheetFree. No email required.

A good deal should survive the math.

Type your own numbers. Every field below feeds the results and nothing is hidden. The starting values are a neutral example, not a deal we are selling.

Jump to results ↓
Buying the house
$
$
$
The loan
$
Leave blank to borrow purchase price minus down payment. Fill it in only if your loan is structured differently.
% / yr
years
Rent
$
What the housing authority actually pays you each month plus the tenant's own portion, added together. The payment standard is not added on top: it is only an input the authority uses to size the subsidy. Owner-paid utilities and your local authority's rent approval change the final number.
Monthly expenses
$/ mo
$/ mo
% of rent
% of rent
More expenses (always counted in the results)
% of rent
Saved for roofs, furnaces and other big-ticket items.
$/ mo
If the tenant pays all utilities, leave 0. Who pays utilities also affects the rent your authority approves.
$/ mo
$
Cash set aside on day one. Counted in cash required to start.
Results
Cash required to start
Down payment + closing + initial reserves. Program or training fees are not part of this worksheet.
--
Monthly principal and interest
Standard amortisation.
--
Estimated monthly cash flow
Rent minus loan payment, expenses and reserves.
--
Annual cash-on-cash
A year of cash flow divided by cash required to start.
--
How the percentages are applied: management, maintenance and capex are each a percentage of the monthly rent. Nothing is double-counted.
This worksheet is an estimate built from the numbers you type. It is not a projection and not a promise. Real results depend on your market, your financing, your housing authority's rent approval, who pays utilities and the condition of the house. Verify every figure with real quotes before you commit money.
Results Don't Lie...

Real people, real decision,  real work

I’m giving you access to a structured framework that thousands have learned from. What happens next depends on how you execute.

Photo of a Gulf Coast Bank deposit receipt; the amount and account details are not described here.
Single-story house with a mixed brick and siding exterior, shown in a property listing with 3 beds and 1 bath.
Close-up of a signed check; the amount is not described here.
Beige two-story house with a front porch, shown in a property listing with 3 beds and 1 bath.
Hand holding a signed paper check with some details obscured in red.
Photo of a Gulf Coast Bank deposit receipt; the amount and account details are not described here.
Single-story house with a mixed brick and siding exterior, shown in a property listing with 3 beds and 1 bath.
Close-up of a signed check; the amount is not described here.
Beige two-story house with a front porch, shown in a property listing with 3 beds and 1 bath.
Hand holding a signed paper check with some details obscured in red.
Photo of a signed First American Bank check; the date and amount are not described here.
Hand holding a printed sheriff's office community notification flyer outdoors on a walkway beside grass.
Photo of a contract for deed document outlining the terms of a property sale; the date and price are not described here.
Photo of a check partially inside an envelope resting on a person's leg; the amount is not described here.
Screenshot of a text message conversation about portfolio loans, an appraisal, and a spreadsheet shared for review.
Photo of a signed First American Bank check; the date and amount are not described here.
Hand holding a printed sheriff's office community notification flyer outdoors on a walkway beside grass.
Photo of a contract for deed document outlining the terms of a property sale; the date and price are not described here.
Photo of a check partially inside an envelope resting on a person's leg; the amount is not described here.
Screenshot of a text message conversation about portfolio loans, an appraisal, and a spreadsheet shared for review.
Join Over 4,000+ Students
4,000+ students
Why these cards show a name and a video and nothing else: we only publish a student's city, portfolio size or timeline once that student has confirmed it in writing. Those details get added case by case as they come in. In a niche where numbers are easy to type and hard to check, we would rather show you less and have all of it be true.
Real Results, Real Proof.

Who This IS for:

Aspiring Entrepreneurs

You want to understand how real estate actually works before risking capital. We break down the Section 8 model so you can avoid beginner mistakes and decide if this path makes sense for you.

9-5
Professionals

You’re exploring real estate while keeping your job. See how the Section 8 process works in the real world, and whether it fits your time, goals, and risk tolerance.

Real Estate Investors

You already know real estate and want a different rental model. See how Section 8 deals are structured, how payments work, and what experienced investors look for in long-term stability.

People who want more

You’re not chasing hype. You want skills, leverage, and a real understanding of how assets get built.

Aspiring Entrepreneurs

You want to understand how real estate actually works before risking capital. We break down the Section 8 model so you can avoid beginner mistakes and decide if this path makes sense for you.

9-5
Professionals

You’re exploring real estate while keeping your job. See how the Section 8 process works in the real world, and whether it fits your time, goals, and risk tolerance.

Real Estate Investors

You already know real estate and want a different rental model. See how Section 8 deals are structured, how payments work, and what experienced investors look for in long-term stability.

People who want more

You’re not chasing hype. You want skills, leverage, and a real understanding of how assets get built.

Join Over 4,000+ Students
4,000+ students
What We Sell

The Three Programs

Same curriculum, same community, same deal reviews. What changes is how long you have support and how much of the coaching is one-on-one.

6 Months

Launchpad

Where everyone starts
The entry point, for the investor working toward a first Section 8 property.
What you get
Full Section 8 curriculum and portal, lifetime access
The Section 8 community on Circle
One momentum call with Ankur. Sessions run Monday, Wednesday and Thursday, and you pick your slot
Group deal review with DeMaria, Monday and Wednesday, ongoing
Q&A with Karim on Monday, every other week
LLC session every Wednesday with Prime Corporate Services
Uncapped hands-on support through your first property
1-on-1 coaching is not included at this tier
12 Months

Inner Circle

Adds one-on-one coaching
For the investor who wants coaching one-on-one, past the first deal.
Everything in Launchpad, plus
Uncapped support for a full 12 months
1-on-1 calls with DeMaria through your first 5 properties
24 Months

Legacy

The smallest group we run
For the investor building a portfolio rather than a single rental.
Everything in Inner Circle, plus
Direct access to Karim
1-on-1 coaching through your first 10 properties
A 60-minute 1-on-1 Strategy & Business Plan call with Ankur in place of the momentum call. You leave with a documented buy box and a written business plan
Curriculum and portal for two years

What The Call Is (And What It Isn't)

Let's be direct, because you're going to wonder anyway. This is a paid program. We'll tell you exactly what it costs on the call, not before, because what you need depends on where you're starting.
The call is a real conversation about your capital, your market and your timeline. If Section 8 isn't the right move for you, we'll say so and you'll leave with a straight answer instead of a pitch. Nobody is going to pressure you into a decision on a 30-minute call.

And the refund policy, stated plainly

You can request a refund within 3 calendar days of purchase, but only if you have not accessed the program. Any login, content view, download, call attendance or community activity ends that right on the spot. After the 3 days, or after first access, whichever comes first, it is fully earned and non-refundable, and any scheduled payments still stand. To cancel, email clients@section8training.com with the subject CANCELLATION REQUEST before 11:59pm on day three; approved refunds are processed within 10 business days to the original payment method. That is a strict policy and we would rather you read it here than discover it later.
Property Walkthrough

Walk through the deal before you buy one.

Deal fileOne real purchase
Akron, Ohio
Single family home
Year built2002
Size1,400 sqft
Purchase price$75,000
Set by the local public housing authority, not by a ranking:
Payment standardsInspection processVoucher demand
Cash to close
Same Akron house
Purchase price$75,000
Down paymentDocumented$11,250
Percent down15%
Closing costsSet by your lender
ReservesSet by your own policy
The worksheet keeps the unknown lines separate instead of guessing them for you.
Inspection
Against the authority's current standard
  • Heat
  • Water
  • Wiring
  • Windows
  • Smoke detectors
Requirements are local and they change. Pull today's checklist from your authority and walk the house with it. Cosmetic work alone does not get a unit approved.
Rent, in two parts
How the money arrives each month
Housing authority portionAssistance
+
Tenant portionAssigned share
=
Total rent to ownerYour line
The payment standard sizes the subsidy. It is not a second payment stacked on top. Utilities and the approved rent both move this number.
The ledger
What survives each month
Rent to ownerin
Debt serviceout
Operating expensesout
Reservesout
Cash flowDocumented$550 / mo
The lines in between depend on your loan, taxes, insurance and how you run the property. Treat any model as hypothetical until your own numbers are in it.
Example deal for educational purposes only. Numbers vary by market, financing and execution.
Stage 01

Choose the market.

Every deal starts with a place, not an address you found on a ranking. This walkthrough follows one real purchase: a 1,400 square foot single family home in Akron, Ohio, built in 2002 and bought for $75,000. Wherever you buy, start with the local public housing authority. Payment standards, inspection process, and demand are all set locally, and they decide how a deal behaves.

Stage 02

Understand the cash required.

The purchase price is only the first line of the worksheet. Getting to the closing table takes the down payment, closing costs, and the reserves you set aside before a tenant ever moves in. On this house the down payment is documented: $11,250, which is 15 percent down. The other lines depend on your lender and your own policy, so the worksheet keeps them separate instead of guessing.

Stage 03

Prepare the property.

Before a voucher tenant moves in, the housing authority inspects the unit against its current standards. Those requirements are local and they change, so pull the checklist your authority uses today and walk the house with it. Inspections care about the systems a tenant lives with: heat, water, wiring, windows, smoke detectors. Cosmetic work alone does not get a unit approved.

Stage 04

Understand the rent.

Rent arrives in two labelled parts. The housing authority pays its assistance portion, and the tenant pays the share the authority assigns. Together they add up to the total rent to the owner. The payment standard you will hear about is an input the authority uses to calculate the subsidy, not a second payment stacked on top. Who pays utilities, and what rent the authority approves for the unit, both change the outcome.

Stage 05

Account for the expenses.

Cash flow is what survives the ledger: rent comes in, then debt service, operating expenses, and reserves come out. On the Akron house the documented result is $550 a month. The lines in between depend on your loan, your taxes, your insurance, and how you run the property, so treat any model as hypothetical until your own numbers are in it.

Now run your own numbers

Tools And Support Included In The Program

All of our best tools for success, in one place.

Customer Support
Hidden Section 8 Documents
Tax Structure
Exclusive Recording Vault
Customer Support
Hidden Section 8 Documents
Tax Structure
Exclusive Recording Vault
Creative Financing
Property Listing Optimization
My Personal Section 8 Employees
Customer Support
My Personal Section 8 Employees
Property Listing Optimization
My Personal Section 8
Creative Financing
Customer Support
Hidden Section 8 Documents
Tax Structure
Exclusive Recording Vault
Customer Support
Hidden Section 8 Documents
Tax Structure
Exclusive Recording Vault
Customer Support
Hidden Section 8 Documents
Tax Structure
Exclusive Recording Vault
Customer Support
Hidden Section 8 Documents
Customer Support
Hidden Section 8 Documents
Tax Structure
Exclusive Recording Vault
Customer Support
Hidden Section 8 Documents
Creative Financing
Property Listing Optimization
My Personal Section 8 Employees
Customer Support
Creative Financing
Property Listing Optimization
Customer Support
My Personal Section 8 Employees
Property Listing Optimization
My Personal Section 8
Creative Financing
My Personal Section 8 Employees
Property Listing Optimization
Customer Support
Customer Support
Hidden Section 8 Documents
Tax Structure
Exclusive Recording Vault
Customer Support
Hidden Section 8 Documents
Customer Support
Hidden Section 8 Documents
Tax Structure
Exclusive Recording Vault
Customer Support
Hidden Section 8 Documents
Join Over 4,000+ Students
4,000+ students
Your Questions, Our Answers

Frequently Asked Questions

The seven questions every serious investor asks before they start: capital, tenants, inspections, payment timing, investing from another state, whether the rent is really guaranteed, and whether this is legit. Straight answers, including the ones that are not flattering.

How much money do I actually need to start?

More than the internet tells you. This is not a no-money-down strategy. You are buying a house on a lender's terms: a real down payment, real closing costs, and a real repair budget before a tenant ever moves in. That is why the application asks about capital up front and screens out anyone below $15K. If that is not you yet, I would rather tell you now than take your money. On the call we walk through the numbers line by line so you can decide with a calculator instead of a feeling.

Will tenants trash the place?

Some tenants are hard on a house. That is true of every rental, voucher or not, and anyone who promises you otherwise is selling you something. What is different here is that you are not guessing: there is a paper trail, an inspection that puts eyes on the property, and a housing authority that holds real leverage over the tenant's voucher. Screening still does most of the work. I teach how I screen, what goes in the lease, and how to budget for turnover so one bad month does not become a bad year.

What about inspections?

This is the part I learned from the other side of the desk. Inspections fail for a short, boring, repeatable list of reasons, and most investors fail them because nobody ever showed them the list. That is the core of the training: what the inspector is actually looking at, what to fix before they show up, and how to pass the first time instead of losing a month of rent waiting on a re-inspection.

Does the government actually pay on time?

The housing authority's portion is a direct deposit on a schedule, and it is the most predictable money in this business. Two honest caveats. First, the tenant's portion is still the tenant's, and that part can be late like any rent. Second, nothing gets paid until the unit passes inspection and the paperwork clears, so plan for a gap at the start of a tenancy instead of being surprised by it.

Can I do this from another state?

Yes, and plenty of people do, because the markets where the numbers work are usually not the markets where they live. But out of state is not hands off. You need a property manager or someone on the ground you actually trust, a contractor who answers the phone, and a way to verify what you are being told instead of hoping. We spend real time on building that team before you buy, not after.

Is the rent really "guaranteed"?

No, and I do not use that word. Be careful with anyone who does. What is true: the housing authority's share is contracted, paid directly to you, and does not depend on your tenant's paycheck, which is a steadier position than a standard rental. What is not true: that it is guaranteed. Vouchers end, tenants move, units fail inspection, and program rules change. More reliable is the honest claim. Guaranteed is not.

Is this another guru scam?

You are going to Google me, and you should. You will find critics, and articles picking apart the kind of claims this industry makes. I would rather you hear that from me than find it afterward. So here is my position, plainly: this is paid education, not a business opportunity and not a done-for-you deal. I do not guarantee income and I do not make earnings claims. I worked inside the Section 8 system before I ever invested in it. That is the one thing in this niche nobody can copy. And the math on this page is deliberately unglamorous, because the honest version is the only version that survives a search. Read it, run your own numbers, and if it does not add up for you, do not apply.

Join Over 4,000+ Students
4,000+ students

Ready To Learn If Section 8 Investing Fits Your Goals?

Fill out the application to see if this is a fit. At a minimum, you’ll leave with a clearer understanding of how Section 8 real estate works.

Trusted by 4,000+ Students